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to student loans? are they out there? joining us is rachel cruise financial speaker and writer for the dave ramsey organization. good to have you this morning. >> good to -- thanks for having me. >> all righty. so these federal lending programs are designed to make college education more affordable. basically what's happening is creating a pile of debt. >> that's right. so many students are believing the lie that you can't be a student without a student loan. so they are just assuming student loans are are the only way to go to college. >> seems obvious what the down sides would be but let's put them up on the screen how are people winding up with so much debt? are there things they don't realize going into it. >> i think so. an 18-year-old doesn't con piewt that they may graduate with $27,000 in debt. that's just. >> or more. >> that's just the average. >> and more. the average is coming out to $27,000. i don't think an 18-year-old really realizes how much money that actually is. which brings us to point 2. i feel like if i talk to the 21-year-old version of them they always say i wish i h
people stepped forward who really became heroes of the day. four teachers, rachel davino, anne marie murphy, lauren rousseau, victor yoa soat pe merry sherlach the school psychologist, and dawn hochsprung the principal who walked into the face of this gunman to try to stop him from harming any chirp. we'd like to think any of us would rise to a standard of courage they showed. i hope we will but they did, and in so doing reminded us even those who just go to work every single day can be called on to show bravery. these teachers did. the school psychologistnd principal and we hoeo them a great -- owe them a great deb of gratitude as i'm sure all the families in the school feel. we bray for the first victim, nancy lanza and reflect on our responsibility. i thought about it over the weekend, and wroi an article for "the chicago tribune" this morning and here's what it said. what would it take -- what will it fake for a majority of americans to speak out for sensible firearms policy in our nation? it will take more than a congresswoman being shot point blank in the face as she gathers fo
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